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I found a 180 loophole to income-based repayment schemes
| Bill Paxton and Paul Reiser in ALIENS | 03/14/19 |
| Exhilarant Cumskin Striped Hyena | 03/14/19 |
| Bill Paxton and Paul Reiser in ALIENS | 03/14/19 |
| Exhilarant Cumskin Striped Hyena | 03/14/19 |
| Odious rebellious locus | 06/24/19 |
| swollen vivacious queen of the night | 06/25/19 |
| fragrant pale preventive strike | 06/25/19 |
| Spectacular famous landscape painting quadroon | 01/06/21 |
| maroon marvelous shitlib | 03/09/23 |
| Bill Paxton and Paul Reiser in ALIENS | 04/22/19 |
| flesh bat shit crazy pervert | 06/24/19 |
| green ratface | 06/24/19 |
| Spectacular famous landscape painting quadroon | 01/06/21 |
| Bill Paxton and Paul Reiser in ALIENS | 06/25/19 |
| Spectacular famous landscape painting quadroon | 01/06/21 |
| Beady-eyed sadistic jap | 06/24/19 |
| mewling sickened mental disorder | 06/24/19 |
| flesh bat shit crazy pervert | 06/24/19 |
| green ratface | 06/24/19 |
| Beady-eyed sadistic jap | 06/24/19 |
| green ratface | 06/24/19 |
| flesh bat shit crazy pervert | 06/24/19 |
| Bill Paxton and Paul Reiser in ALIENS | 06/25/19 |
| Rambunctious bawdyhouse hominid | 07/28/19 |
| fragrant pale preventive strike | 06/25/19 |
| Hideous razzmatazz turdskin goyim | 06/24/19 |
| Beady-eyed sadistic jap | 06/24/19 |
| Hideous razzmatazz turdskin goyim | 06/24/19 |
| purple box office place of business | 06/24/19 |
| chocolate titillating pozpig | 06/24/19 |
| Bill Paxton and Paul Reiser in ALIENS | 06/25/19 |
| Aqua deranged international law enforcement agency | 06/24/19 |
| mustard thriller prole base | 06/24/19 |
| Big doobsian pit incel | 06/24/19 |
| flesh bat shit crazy pervert | 06/25/19 |
| swollen vivacious queen of the night | 06/25/19 |
| crystalline provocative toilet seat area | 06/25/19 |
| maroon marvelous shitlib | 03/09/23 |
| Bill Paxton and Paul Reiser in ALIENS | 07/28/19 |
| painfully honest lodge friendly grandma | 07/28/19 |
| Bill Paxton and Paul Reiser in ALIENS | 08/24/22 |
| wild public bath community account | 08/24/22 |
| stimulating property | 08/24/22 |
| Bill Paxton and Paul Reiser in ALIENS | 03/09/23 |
Poast new message in this thread
Date: March 14th, 2019 8:49 PM Author: Bill Paxton and Paul Reiser in ALIENS tl;dr Income is calculated post-401k contribution, so max your 401k in the month you use to certify income
The income-based programs allow you to use a paystub to certify income and use taxable income to estimate your income.
What I did was max out my 401k one month: I make $14.5k/month (paid monthly), and Vanguard maxes out at 75%, so put up about 10k into my 401k, leaving my monthly income as ~$4.5k. I submitted this paystub to the loan servicer and now have a ~$200/mo payment.
This is 180 because even if I go the entire 25 years, it doesn't come close to my total loan value. Also, time value of money and I also expect further loan relief. Worst case scenario I get rich and have to pay back my loan. |
Date: March 14th, 2019 8:50 PM Author: Exhilarant Cumskin Striped Hyena LJL at proles who have to repay loans. (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#37932659) |
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Date: March 14th, 2019 8:51 PM Author: Bill Paxton and Paul Reiser in ALIENS Actually it's incredibly prestigious to let the government pay hundreds of thousands on your behalf and then stiff the government on the repayment. (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#37932664) |
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Date: March 14th, 2019 8:52 PM Author: Exhilarant Cumskin Striped Hyena (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#37932669) |
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Date: June 24th, 2019 10:35 PM Author: Odious rebellious locus (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435257) |
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Date: June 25th, 2019 11:26 AM Author: swollen vivacious queen of the night (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437252) |
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Date: June 25th, 2019 11:41 AM Author: fragrant pale preventive strike (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437328) |
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Date: January 6th, 2021 12:17 PM Author: Spectacular famous landscape painting quadroon (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#41688316) |
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Date: March 9th, 2023 7:26 PM Author: maroon marvelous shitlib (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#46031448) |
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Date: April 22nd, 2019 7:50 PM Author: Bill Paxton and Paul Reiser in ALIENS Elizabeth Warren bump (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38126710) |
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Date: June 24th, 2019 9:52 PM Author: flesh bat shit crazy pervert So fraud. Would bet the house you're Jewish (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435038) |
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Date: June 24th, 2019 9:54 PM Author: green ratface the entire system is fraud on multiple levels (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435041) |
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Date: January 6th, 2021 12:18 PM Author: Spectacular famous landscape painting quadroon (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#41688319) |
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Date: June 25th, 2019 11:39 AM Author: Bill Paxton and Paul Reiser in ALIENS (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437321) |
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Date: January 6th, 2021 12:18 PM Author: Spectacular famous landscape painting quadroon Just pay back money so bantu kikes can enjoy a healthy treasury Eat shit |
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Date: June 24th, 2019 9:57 PM Author: Beady-eyed sadistic jap it's not a loophole. you're supposed to report material changes in your income. you don't think that your income going up by 300% the next month is a material change? (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435049) |
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Date: June 24th, 2019 10:15 PM Author: mewling sickened mental disorder (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435145) |
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Date: June 24th, 2019 10:16 PM Author: flesh bat shit crazy pervert He's Jewish. I've heard this "loophole" logic used to justify various forms of fraud (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435159) |
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Date: June 24th, 2019 10:26 PM Author: green ratface OY VEY PAY UP UR SHEKELS! (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435215) |
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Date: June 24th, 2019 10:27 PM Author: Beady-eyed sadistic jap jews being jews doesn't justify fraud. have some integrity. (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435222) |
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Date: June 24th, 2019 10:27 PM Author: green ratface OY VEY ITS ANNODAH SHOAH! (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435226) |
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Date: June 24th, 2019 10:32 PM Author: flesh bat shit crazy pervert https://www.google.com/amp/s/amp.app.com/amp/740083002
Loophole or nah? |
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Date: June 25th, 2019 2:09 PM Author: Bill Paxton and Paul Reiser in ALIENS (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38438246) |
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Date: July 28th, 2019 4:27 PM Author: Rambunctious bawdyhouse hominid (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38601731) |
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Date: June 25th, 2019 11:41 AM Author: fragrant pale preventive strike (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437336) |
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Date: June 24th, 2019 10:29 PM Author: Hideous razzmatazz turdskin goyim What is the largest percent that is immaterial friend? (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435238) |
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Date: June 24th, 2019 10:37 PM Author: Beady-eyed sadistic jap (110 iq redditor asking "but where do we draw the line?") (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435274) |
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Date: June 24th, 2019 11:03 PM Author: Hideous razzmatazz turdskin goyim No (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435416) |
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Date: June 24th, 2019 10:38 PM Author: purple box office place of business 25% is pushing it (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435284) |
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Date: June 24th, 2019 11:07 PM Author: chocolate titillating pozpig cr, this faggot needs to be prosecuted (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435434) |
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Date: June 25th, 2019 11:39 AM Author: Bill Paxton and Paul Reiser in ALIENS You misunderstand this checkbox on the income certification form.
I ALWAYS check the "my income has significantly changed" box so that they let me use paystubs to calculate income instead of tax returns.
You only have to certify once a year. You have the option of certifying again (say if you lost your job or similar), but are not required to. Hilariously, if your income changes upward, you still can pay the lower rate the rest of the year. Income based repayment is a "heads I win, tails you lose" program. |
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Date: June 24th, 2019 10:29 PM Author: Aqua deranged international law enforcement agency 180 (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435240) |
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Date: June 24th, 2019 10:36 PM Author: mustard thriller prole base Happy purim (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435262) |
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Date: June 24th, 2019 11:04 PM Author: Big doobsian pit incel (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435422) |
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Date: June 25th, 2019 11:22 AM Author: flesh bat shit crazy pervert (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437225) |
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Date: June 25th, 2019 11:26 AM Author: swollen vivacious queen of the night There are all sorts of schemes like this...its 180 (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437255) |
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Date: June 25th, 2019 11:28 AM Author: crystalline provocative toilet seat area Bookmarking for later (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437264) |
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Date: March 9th, 2023 7:28 PM Author: maroon marvelous shitlib (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#46031460) |
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Date: July 28th, 2019 3:30 PM Author: Bill Paxton and Paul Reiser in ALIENS They are cracking down on income based repayment fraud, luckily they are getting at the dumb goyim who claim 30 dependents: https://abcnews.go.com/amp/Politics/wireStory/feds-find-potential-fraud-student-loan-repayment-plans-64575667
Still riding this loophole, but currently have $0 payments for the next year because I had a brief lapse of employment and recalculated income during this period lol. |
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Date: July 28th, 2019 4:25 PM Author: painfully honest lodge friendly grandma (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38601728) |
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Date: August 24th, 2022 9:00 PM Author: Bill Paxton and Paul Reiser in ALIENS (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#45065702) |
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Date: August 24th, 2022 9:05 PM Author: wild public bath community account This works if your annual income contains a large bonus every year. It makes sense as well because you can’t guarantee you’ll have a giant bonus next year so you certify based on your lower income like you would on child support (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#45065720) |
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Date: August 24th, 2022 10:03 PM Author: stimulating property More POWERFUL hack: lose your job and get on unemployment. Update/recertify your income using your unemployment checks as your basis. Enjoy like a $30/month payment for a year. Rinse and repeat as needed. Thanks libs! (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#45065984) |
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Date: March 9th, 2023 7:25 PM Author: Bill Paxton and Paul Reiser in ALIENS (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#46031443) |